Refinance Cashflow Calculator

See cashflow impact before you refinance now. Model fees, points, escrow, and payoff differences easily. Export results, compare scenarios, and plan smarter every month.

White theme • Responsive form • Downloads

Inputs

Enter your current loan and your new offer. Use commas if you like.
Large screens: 3 columns • Smaller: 2 • Mobile: 1
Current Loan Remaining balance and current payment details.
Principal still owed today.
Nominal annual rate.
Years left on the loan.
Leave blank to compute from balance/rate/term.
Additional principal paid each month.
Enter 0 if not applicable.
Applied while loan balance exists.
New Loan Refinance offer, fees, and optional cash-out.
New loan annual rate.
New loan duration.
Cash you receive at closing.
Out-of-pocket costs at closing.
Costs added into the new loan.
Points are treated as paid at closing.
Credits reduce your closing outflow.
Additional principal on the new loan.
May differ if insurance/taxes change.
Applied while loan balance exists.
Analysis Settings Set your planning horizon and discounting preference.
Used for totals and payoff comparison.
0% shows undiscounted totals.

Example Data Table

This sample illustrates typical inputs and an example outcome.

Scenario Balance Rate Term Closing paid Points Month 1 savings Break-even
Sample $250,000 7.25% 25 yr $3,500 0.50% $215.40 19.3 mo

How to Use This Calculator

  1. Enter your remaining balance, rate, and years left.
  2. Optionally enter your exact monthly P&I payment.
  3. Fill the new rate, term, and all refinance fees.
  4. Add escrow and PMI values to match your situation.
  5. Set how long you expect to keep the home.
  6. Press Calculate to see cashflow, break-even, and totals.
  7. Download the CSV or PDF to share and compare options.

Formula Used

Monthly principal-and-interest payment (standard amortization):

Payment = P × ( r × (1+r)n ) / ( (1+r)n − 1 )

Break-even (costs only):

Break-even months = (closing paid + points − credits) / month-1 savings

Net benefit over your horizon:

Net benefit = (cash-out + credits − closing − points) + Σ(monthly differences) + (end balance current − end balance new)
Estimates only. Confirm with your lender and a licensed advisor.

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.